Risk of damage and loss of property may occur even been given protection. Non-life insurance provides protection to property with one conditions of premium payment. Bonus Malus premium is a payment system in which the Bonus is defined as reduction in premium value to be paid while Malus interpreted as an addition in premium value to be paid. Poisson-Gamma distribution assumes Poisson as claims frequency and Gamma as claims severity which aim to obtain a premium formula on Bonus Malus system. We detail construct Bonus Malus premiums formula and we use UML model to describe a software system associated with the object. Bonus Malus premium tables can be obtained and combined from the formula of claim frequency and severity to provide more options in software calculation of Bonus Malus software. Simulations prove the loss ratio value express Bonus Malus system better than flat premium system and computer application system simplify, accelerate, and accurate in calculating premium.
Premium, Bonus Malus, UML, Poisson-Gamma, Loss Ratio